When it comes to managing household finances, it’s easy to see why you might think some insurances are dispensable. When buying a house you may be unsure about the associated expenses, and ask yourself, ‘do I need home insurance?’, especially if you’re looking to save money on any ‘unnecessary’ expenditures.
But before you decide to give any form of insurances a miss, it’s important to understand which ones will actually make you financially stronger, and the ones you can do without. We ask experts to qualify the home insurance policies everyone should have.
Do I need home insurance?
How many times have you thought, ‘I could save money by not taking out insurance…but do I need it?’ When it comes to home insurance the answer depends on which type of home insurance – buildings insurance or contents insurance.
Image credit: Future/ Colin Poole
‘If you’re a homeowner, legally you need buildings insurance as a condition of your mortgage,’ advises Ideal Home’s columnist and finance expert Kalpana Fitzpatrick. ‘Contents insurance is optional. But before you decide to forgo contents insurance, consider how much it would cost to replace your possessions if there was a theft, fire or even accidental damage.’
Contents insurance covers the cost of the belongings in your home, such as sofas and TVs etc. Having contents insurance means that should any accidental damage occur or a you’re the victim of a burglary, your possessions are covered by the insurance policy in place. While not having to pay a contents insurance premium can save you money, it might cost a whole lot more in the long run should any of the above occur.
‘One in four households do not have home contents insurance, leaving them at risk should they find themselves replacing high cost goods,*’ says Kalpana. ‘If you’re renting, then it’s still important to protect your possessions with contents insurance, although you will not need building insurance – that’s the landlord’s responsibility.’
Is it bad to not have home insurance?
Where you live will determine if it’s bad not to have home insurance in place. For instance Lizzie Schulz, Solicitor at Ashfords, explains; ‘If you own a freehold property, buildings insurance isn’t a legal requirement. But it will usually be required by a mortgage lender on purchase.’
‘If you don’t have a mortgage, then it’s usually up to you whether you have buildings insurance. In any event, you are responsible for any repairs to the property that aren’t covered by insurance.’
Lizzie goes on to say; ‘If you own a leasehold property (a common arrangement for flats), the responsibility to insure can vary. Your insuring obligations are set out in your lease, and you should seek advice if you are unsure.’
‘Usually, the landlord is responsible for repairing and insuring the structure. And the cost is distributed to the leaseholders by way of service charge. However, it is also common for a leaseholder to repair and insure parts of the building that are their legal responsibility. Whilst the landlord covers the communal parts of the building.’ This refers to buildings home insurance, rather than contents home insurance.
‘There is no requirement for a landlord to insure the building that is rented to tenants,’ Lizzie explains. ‘However, it is a common for a tenancy agreement to require that the landlord insures the building. Whether insurance is in place or not, landlords are legally required to repair any damage and keep the property in a reasonable condition at all times.’
Insurance checklist
Image credit: Future/ Nick Pope
There are a few golden rules to follow when it comes to any form of insurance. ‘Always be honest when buying insurance, otherwise your policy could be invalidated,’ advises Kalpana.
‘The cheapest policy may not always be the best one for you. Make sure you buy the right level of cover for your needs,’ she goes on to suggest. Check the excess amounts on your policy to ensure you are paying the right amount for what you can afford, and for what your insurance is in place to cover.
‘You can buy insurance policies using comparison sites, but it is also worth getting direct quotes for the best price. For insurance like car and home, note down the expiry date and shop around for a new deal before it ends. As auto-renewal prices are not always the best.’
‘If you are buying or renting a property, your solicitor is qualified to advise you on your insurance obligations,’ explains Lizzie Schulz, Solicitor at Ashfords. ‘They can direct you to reputable insurance brokers to get you started.’
If you’re considering investing in one of the best boiling water taps for your kitchen, then our expert buying advice is here to help. While they’re not always the cheapest, the best hot water taps and boiling water taps will transform the way you cook. Boiling water is stored underneath the sink, and will be available to top up your tea or some instant noodles with just the touch of a button.
A lot of the boiling water taps in our guide come with designs that can simply replace your kitchen tap, without the need to fit a new hole into your worktop. They come with taps for cold water, hot water, and one that will deliver boiling water.
In our best boiling water tap guide, we’ve included 7 of the best models on the market from Grohe, Qettle, Quooker, InSinkErator, Franke, and Perrin & Rowe. Some will include water filters, and all come with top-of-the-range safety features to keep you and your family safe when you’ve got a boiling water tap in your kitchen.
In many ways, boiling water taps and hot water taps are safer than even the best kettle. They have switches that can’t be confused with the cold or hot water taps, and lights that only show when the boiling water mode is activated.
Boiling water tap, or hot water tap?
One of the biggest factors when buying is whether to get a tap that delivers true boiling water at 100°C or one that’s a fraction cooler, also known as an ‘instant hot water tap’.
A couple of degrees makes little difference if you’re filling a saucepan to cook pasta or making up a hot water bottle, but true 100°C water is better for everything from making tea straight from the tap to sterilising baby bottles.
Throughout this buyer’s guide, we’ve outlined the water temperatures each tap delivers and called the water from the ones that are lower than 100°C ‘near-boiling’. You could also call it ‘kettle hot’.
Best boiling water tap 2021
1. Grohe Red Duo
Best near-boiling water tap
Delivers: Hot, cold and filtered near-boiling water Temperature: 99°C Tank capacity: 3 or 5.5 litres Design: L, C or U spout; multiple finishes Reasons to buy:
• Great child lock • A-rated energy efficiency
• Small boiler footprint
Reasons to avoid:
• Not 100°C
Grohe Red taps are rated A for energy efficiency thanks to a titanium boiler with excellent insulation. It takes very little energy to keep the water at the required temperature. Water is dispensed at 99°C.
What sets Grohe Red apart is its child lock, tested and certified by renowned German Safety Testing body TÜV. You must press two icons to start the near-boiling water: one then the other. And the outside of the spout is safe to touch.
The second you take your finger off the button, the water stops. However there is a pot-filling function that delivers up to 3 litres of near-boiling water in 60 seconds without keeping your finger on the button. Testers have remarked that it runs slower than expected and it’s true that that’s half the speed of your regular hot tap.
Add a mixing valve and you can also mix near-boiling and cold to make warm water. Your kitchen probably has a hot water supply but a clever feature uses a little of the near-boiling water initially to boost its temperature when you run warm water, just until the hot supply is up to temperature. No more wasting water before doing the dishes as you wait for it to warm up.
The M-size boiler (37cm high) has a 3 litre capacity while the L-size (49cm high) boils up to 5.5 litres. Both have a 21cm diameter, so a small footprint.
Water is filtered before it enters the boiler and Grohe has recently launched cartridges that filter out impurities but add essential minerals such as magnesium and zinc.
2. Franke Minerva Electronic 4-in-1
Best space-saving boiling water tap
Delivers: Hot, cold, filtered cold and filtered boiling water Temperature: 100°C Tank capacity: 5 litres Design: L or J spout; multiple finishes Reasons to buy:
• True 100°C boiling water • Handy pre-set controls • Large boiler fits behind plinth
Reasons to avoid
• Quite pricey
The Franke Minerva Electronic 4-in-1 delivers boiling water at 100°C. We especially like the way its large boiler can be hidden behind a plinth. Its pre-set touch controls are especially user-friendly.
The tap automatically switches to child safety mode when not in use. Pressing the electronic dial on one side wakes the tap from its safety standby mode and it glows white. Then twist to select a mode: it glows red for filtered 100°C boiling water and blue for cold filtered water.
Once you’ve picked a mode, two taps of the dial deliver either 30 seconds of filtered 100°C boiling water or 15 seconds of filtered cold water. Three taps of the dial deliver either 60 seconds of filtered 100°C boiling water or 30 seconds of filtered cold water. With these automated settings, you can let go once it’s triggered. Press again if you want to stop early.
Water flow can also be controlled manually by turning and holding the dial to give more or less water than the pre-set options. A separate lever on the other side delivers regular hot and cold water.
The boiler’s capacity is large at 5 litres, but with an innovative boxy design that has a large footprint but is just 15cm high, so it fits behind the plinth of your kitchen cupboard. Everything else under the counter, including the water filter, is in a smaller box. Installation is simple and plug-and-play.
3. Quooker Fusion
Best boiling water tap for add-on features
Delivers: Hot, cold, filtered cold and filtered boiling water Temperature: 100°C Tank capacity: 3 or 7 litres Design: C or U spout; various finishes Reasons to buy:
• True 100°C boiling water • Optional huge capacity • Option to add chilled and carbonated water
Reasons to avoid:
• Add-ons are pricey • Big boiler option takes up more space
The Dutch-designed Quooker was the first ever boiling water tap. It delivers true 100°C boiling water. If money’s no object, you can double down and add a Quooker Cube, which dispenses sparkling and still chilled water from the same tap too.
The Fusion’s control is an easy-to-grip textured metal ring just above the lever. You push the ring down twice to unlock (that’s the childproofing) then turn it to control. An LED light ring glows red to indicate that you’re on boiling water mode.
Push the ring down once and it lights up blue for filtered cold water. This is also how you dispense chilled and carbonated water if you have the Cube add-on.
Flow of boiling water is similar to the Grohe at around 3 litres a minute, showing that boiling water taps just don’t flow as fast as regular hot water. The boiler capacity is either 3 litres (considerably more than a kettle) or a supersized 7 litres.
The Fusion has a contemporary look but there’s a Fusion Classic with more detailing that’s better suited to traditional kitchens and a Flex that has a handy pull-out hose (used only for regular hot and cold water).
4. Franke Omni 4-in-1 Boiling Water Tap
Best boiling water tap the full 100°C
Delivers: Boiling, hot, and cold water Temperature: 100°C Tank capacity: 4.2 litres Design: C or Swan Neck, stainless steel Reasons to buy:
• Up to 5 bar pressure • 3 year guarantee • Filtered water function
Reasons to avoid:
• No safety light
Franke is a premium pick of the best boiling water taps. The Omni has four modes: cold, hot, boiling, and filtered. It’s available in stainless steel and a range of other metallic shades.
At 4.7 litres, the Franke Omni has a medium-size boiling water capacity that will be perfect for those who want lots of tea on tap, but don’t have the space to fit a larger boiler.
Going up to 100°C boiling water, you can pick from C or Swan Neck designs. It has a minimum 1.5 bar design and goes up to 5 bar pressure. The spring-loaded lever requires a push to activate, but there’s no light that shows when the boiling water mode is activated.
5. Qettle Signature Modern
Best-value boiling water tap
Delivers: Hot, cold, filtered cold and filtered boiling water Temperature: 100°C Tank capacity: 2, 4 or 7 litres Design: J spout; multiple finishes Reasons to buy:
• Great value • True 100°C boiling water
• Optional huge capacity
Reasons to avoid:
• Design less fancy than some premium models • Big boiler option takes up more space
It’s hard to fault the Qettle for one good reason: price. It dispenses true 100°C boiling water plus filtered drinking water, as well as regular hot and cold, yet it costs less than rival taps. Its filter cartridges are more affordable than rivals too.
The design is nice enough too. The spout has a J shape, it comes in a range of metal finishes and you can choose between Modern for a contemporary kitchen or Classic, with its white lever handles and subtly flared base. But it doesn’t have the fancy design details and glowing lights of premium boiling water taps.
The Qettle’s affordability is down to a clever design with four different waterways. That means there’s no electronic components to switch between sources (read: less to go wrong). The boiler comes in three sizes – 2, 4 or 7 litres – and the taps are stainless steel and engineered in the UK.
Safety-wise, you have to depress a button and hold it down to turn the dial to dispense boiling water, to prevent mistakes (rather like the button for turning a shower temperature up high). There’s also an optional safety cover to keep little hands off it altogether. The spout is insulated, so cool to touch.
Qettle offers an optional add-on for dispensing chilled water. Sparkling water is literally in the pipeline: they plan to introduce that option early in 2022.
Delivers: Hot, cold, filtered cold and filtered near-boiling water Temperature: 88-99°C Tank capacity: 2.5 litres Design: J, U or L spout; multiple finishes Reasons to buy:
• Good looking • Compact boiler
• Option to add chilled water
Reasons to avoid:
• Not 100°C • Small capacity
InSinkErator boiling water taps are endorsed by multi-award winning interior designer Kelly Hoppen CBE as a “no brainer… perfect for anyone with a busy kitchen and lifestyle”. The Italian-made taps look great but the fact that they don’t dispense at 100°C will put some buyers off.
The boiler features a digital, adjustable thermostat that lets you set the water temperature from 88°C to 99°C. The boiler is compact at 2.5 litres; it’s a shame you can’t pick a larger one.
The easy-to-grip hot water handle has a push-lever safety locking mechanism. This ensures the flow of water stops immediately as soon as the lever is released.
Touch controls mean you can do clever stuff like tap the InSinkEratorfor 30 seconds of filtered water at ambient temperature, perfect for filling a water bottle. There’s also an optional add-on for filtered, chilled water at 3-10°C.
Our favourite design touch is the fact that it’s so discreet: it looks like a normal, two-lever kitchen tap but there’s a subtle button on the front.
7. Perrin & Rowe Armstrong 3 in 1 Instant Hot Water Tap
Best traditional near-boiling water tap
Delivers: Hot, cold and filtered near-boiling water Temperature: 75–98°C Tank capacity: 2.4 litres Design: J spout; multiple finishes Reasons to buy:
• Exquisite build quality • Compact boiler
• Operates at low water pressures
Reasons to avoid:
• Not 100°C • Small capacity
This polished brass tap is part of Perrin & Rowe’s award-winning Armstrong range, hand-crafted in the UK. Build quality is exquisite with thicker plating than industry standards and the dual-lever design doesn’t look like a hi-tech tap at all.
It dispenses filtered, near-boiling water as well as regular hot and cold water. Capacity is small at 2.4 litres but at least that means that the boiler under the counter isn’t too bulky. You can set the temperature between 75°C and 98°C.
There is an anti-scald locking mechanism to prevent youngsters using it. The tap operates from as low as 1.5 bar pressure, which stands out as some rivals require a higher mains water pressure.
Energy consumption is genuinely low. All the brands here that have quoted energy costs put it at 3-10p a day to keep the water in the tank hot, thanks to insulation. Compare this with boiling a kettle, forgetting and reboiling. Or boiling more than you need accidentally. You might even save energy.
Running costs include replacing the filter cartridge every six months. These range in price with the affordable Qettle being the cheapest for cartridges too.
If you’re considering investing in the best boiling water tap, you’ll want to know if it’s a safe and worthwhile investment. We spoke to Anne Kaarlela, Marketing Communications and Customer Service Manager for InSinkErator to find out if boiling water taps are genuinely safe.
“InSinkErator specialist kitchen taps benefit from a self-closing, easy to grip, steaming hot water handle with push-lever safety locking mechanism. This ensures the flow of water stops immediately as soon as the lever is released, so it is inherently safe as well as eliminating the risk of leaving steaming hot water running.
Using a steaming hot water tap, or combination tap, is a safe way to heat hot water for use in the kitchen. It makes the kitchen worry free as it eliminates the kettle and its trailing cord, hot cooking zones or naked flames from a gas hob. It also makes everyday tasks much quicker, convenient and efficient, while eliminating the time and energy lost waiting for the kettle to boil and saving precious worktop space.”
Boiling water taps vary in how they work, but for most, they will connect to the plumbing of your kitchen taps to fit a miniature boiler underneath the sink. This will create a constant supply of hot water, on-tap.
“InSinkErator taps fit easily under all sinks and simply need an electrical connection. They require space under the sink in order to mount the tank, along with a small filtration unit. However, minimal space is needed under the sink.”
A boiling water tank will pass regular cold water through a filter before heating it to the desired temperature. “To dispense the steaming hot water, users must push the safety lever down and pull the handle towards themselves. Once the handle is released, the flow of steaming hot water stops.”
Whatever shape or size, the kitchen is the heart of the home, so it’s imperative to create a space which you love spending time in. Our small kitchen ideas are ideal for making the most of even the most petite room.
While we love exploring all sorts of kitchen ideas, there’s something extra pleasing about finding creative solutions in a more diminutive space.
By maximising every spare inch, reorganising areas that don’t work as hard as they should and adding extra solutions where necessary, you can turn a tiny room into one which does everything you want and need. More and more, kitchen design benefits from minimal clutter and maximum efficiency.
Small kitchen ideas
‘When planning your small kitchen layout, it’s essential to think about your overall aesthetic,’ says Hayley Simmons, Director of Commercial Range at Magnet. ‘Some décor suits smaller kitchens, while others can make your space feel enclosed. There are some layouts that simply won’t work in a small space such as island kitchens, as there isn’t enough room.’
‘Choose light-coloured wood or natural stone to keep your room feeling bright and airy. Natural textures such as wood, rattan and wicker can work well in small kitchens too.’
1. Use partitions to separate tasks
Image credit: Second Nature
In a small kitchen, particularly with small galley kitchens, it can feel like it’s impossible to properly zone the space. ‘Integrating a partition means you can separate functions out more and give designated prep areas within the room,’ advises Graeme Smith, head of design at Second Nature Kitchens.
Opt for a glass half partition to keep the room feeling open and allow light to pass through. Treat one section as similar to a prep kitchen, and keep your appliances and larger utensils hidden from casual viewing.
2. Keep some storage open
Image credit: Olive & Barr
Storage is undoubtedly one of the most important considerations in any kitchen, but none more so than in a small kitchen.
‘One wall kitchen is ideal for those with a smaller space that still want an impactful kitchen,’ says Al Bruce, Founder of Olive & Barr. ‘The simplicity of a one wall layout is that you can maximise efficiency without compromising on functionality. You need to think vertically and create as much extra storage space as possible by utilising the height of your walls.’
Once you’ve planned where this storage is going to go, start to think about light. In smaller kitchens, wall-to-wall cabinetry will block out light, making the space seem smaller and more cramped. Resolve this by including some open storage and shelving. Using this on the top half of the wall will help make the room appear taller, too.
3. Zone with flooring
Image credit: Wren Kitchens
Contrary to popular belief, small kitchens can absolutely be used as petite kitchen-diners. Make the space feels like two separate rooms without compromising on space by clever zoning.
Choose two distinct flooring styles and use them to trick the eye into there being two spaces. A patterned option is best for the kitchen as it is more energising, and helps disguise spillages. Meanwhile, calming more neutral styles work well for a relaxed dining zone.
4. Break the plan
Image credit: Magnet
Broken plan is the new open plan, and small kitchens can benefit from this style of layout. What you’re essentially doing is zoning the room with either full partitions which can be opened or pulled back when needed, or half partitions to give the sense of separate areas. This allows you to differentiate cooking, dining and living areas while preserving the overall open plan feel of the space.
For partition alternatives, look at freestanding furniture, slatted screens or Crittall doors.
5. xxx
Image credit: The Main Company/Chris Snook
‘Utilise the space of your kitchen by creating a breakfast bar area,’ suggests Hayley Simmons, Director of Commercial Range at Magnet. ‘While it may seem a challenging fit, they are an excellent option if you don’t need a lot of cupboard storage space. However, breakfast bars can double as both a preparation and dining space, creating a multifunctional approach to your kitchen design.
Look for slim options which can be built onto peninsulas or islands to further save on space.
6. Pay attention to your flooring
Image credit: Quorn Stone
‘A smaller kitchen requires careful thought and consideration to give the illusion of a larger space,’ notes Isabel Fernandez, Director at Quorn Stone. ‘Contrary to belief we often find a larger tile can work well at achieving this. A smaller tile results in lots of grout joints which can enclose the space and detract the eye from the tile. We often suggest a 900 x 600 tile as it is a versatile size that works well in both smaller and larger areas.’
‘Alternatively wood effect porcelain is becoming increasingly popular in tighter spaces due their long and narrow format,’ continues Isabel. ‘If you choose a complementary grout colour it makes the grout less noticeable which again helps to open the space out.’
7. Save space with a sliding door
Image credit: Future PLC
In a small kitchen where space is tight you may be tempted to remove the door to avoid the feeling of claustrophobia. But a door to a kitchen is a handy tool to be able to contain the smells of cooking from filling the rest of the house.
Consider sliding doors, which are the ultimate space-saving room divider.
In this small dining room idea, the homeowner has used a sliding door that takes up zero space, yet provides separation from the kitchen beyond. Even when it is pulled closed, the reinforced glass design means it doesn’t act as a solid barrier from one space to the next.
8. Be mindful of dimensions
Image credit: Tom Howley
‘Kitchens need to be as functional as they are beautiful,’ says Tom Howley, design director at Tom Howley bespoke kitchens. ‘If you take a standard galley kitchen to have a 6ft width and a 12ft length, island and peninsula counters are rarely an option in this sort of space. The importance of walkway space should be a key consideration.’
‘When designing your layout, always leave a metre of walkway space either one or two sides of your worktop, island, or peninsula counter. This is a functionally and aesthetically effective dimension to keep in mind.’
9. Make more space with collapsable furniture
Image credit: Ikea
Choose collapsable furniture to allow the space freedom in the purpose. This modern kitchen includes an extendable table, which provides an island of sorts. Then, when needed, it extends out to form a sizeable dining table for meal times.
The table could even provide a valuable desk space for working from home. Due to the nature of collapsable furniture the space isn’t in any way compromised by the need for a table. It’s a highly efficient way to make the space work to its full potential.
10. Get creative with corners
Image credit: Future PLC/ Fiona Walker-Arnott
A tiny kitchen still has to cater for even the most basic of food prep and serving, which requires a lot of ‘stuff’. This means it is key to use every last bit of available space by being savvy with the design solutions.
Ensure the units are as tall as physically possible to elongate the space. Making the most of magic corners and other clever mechanisms will also help use every millimetre of space, such as this under cupboard glass rack.
Hanging glasses below the cupboards is a clever kitchen storage idea. It not only uses up space that is otherwise redundant, but more importantly it frees up storage space inside the cabinets.
11. Utilise wall space to create a compact design
Image credit: Kitchen Makers
When space is at a premium, clever compact kitchen design comes to the rescue. ‘When presented with a smaller space it is essential that the layout is carefully considered to make sure every inch of the kitchen is utilised,’ says Ben Burbidge, managing director at Kitchen Makers.
‘Creating a bank of cabinetry along one wall is a great way of streamlining and opening up the space. Tall wall units are particularly suited to narrow, galley style kitchens, as using this space ensures the area feels less cramped than if filled with larder style dressers.’
12. Pay attention to details
Image credit: David Giles
If you’re designing a new kitchen to make your small space more useable, don’t overlook the finer details. ‘Small details, such as the use of materials, is key when designing a small kitchen,’ says Tom Howley. ‘Lighter wood finishes and paint colours work well to expand the perceived space of your kitchen.’
‘However, whites and creams are less popular at the moment, so a great compromise is a smoky grey scheme, using a smoked oak wood paired with a matte grey paint. Pair these tones with very light coloured countertops, and your kitchen will look spacious and airy.’
13. Open up the space with glass
Whether planning a new kitchen or carrying out a makeover on existing cabinets, glass is a key material to enhance a small space. ‘If you do decide on floor to ceiling cabinets, these should only be fitted with glass door display cabinets. This will open up the space in a way that opaque cabinetry will not in a smaller kitchen,’ explains designer Tom Howley.
14. Use fresh mint green to promote calm
Image credit: Dulux
Kitchens of all sizes can feel chaotic, but by their very nature, small kitchens are particularly vulnerable. Tackle this head on by painting your small kitchen in a colour that promotes rest and relaxation. Green is the ultimate tone when it comes to making us feel collected and calm, due to its abundance in nature.
Mix in different tones in cabinetry, walls and accessories as shown in the green kitchen above. That layering will mimic the green of a garden, woodland or forest glade, exaggerating the effect.
15. Create an optical illusion using colour
Image credit: Dulux
Painting kitchen cabinets is having a resurgence, as homeowners look for affordable ways to revamp existing kitchens, rather than the expensive task of replacing.
This budget kitchen idea is a great way to revive the surfaces and make your space look brand new with a simple splash of colour. In small spaces, a new colour scheme can do wonders to help the space feel that little bit bigger too.
A neutral on the surrounding walls, such as Dulux’s ‘Timeless’ provides a fresh airy feel for the space. While a stronger, more dominant colour such as Dulux’s ‘Urban Obsession’ can give presence to the kitchen cabinetry. By painting all the base units in a darker shade the room will feel divided, creating the optical illusion of a greater sense of space between floor and ceiling.
16. Opt for a crisp colour scheme
Image credit: Future PLC
Make a small kitchen feel light and airy by opting for a neutral kitchen colour scheme. However, neutral doesn’t just mean beige or cream kitchens. Pair white patterned tiles and marble worktops with duck egg blue kitchen cabinets for a crisp colour scheme that will bounce light around, making the kitchen feel spacious.
17. Invest in flexible storage
Image credit: String
In a small kitchen you need to think creatively when it comes to storage. Instead of investing in ordinary shelves, this wire panel shelving from string maximises storage by adapting to your kitchen’s needs.
Add in or take away shelves, hang glasses upside down and even introduce a wine rack. When space is at a premium you need to make sure every inch counts.
18. Distract the eye with bold flooring
Image credit: Jonathan Jones
In a small kitchen, go all-out with bold tiling. A strong pattern on the floor distracts the eye and makes the room feel bigger. Every inch of this kitchen has been designed to make the most of the small space from the slimline appliances to the hanging pot plant.
Hanging the copper planter is a great way to add some life and decoration in the kitchen without cluttering work surfaces.
19. Hide appliances in a breakfast cupboard
Image credit: Colin Poole
Keep surfaces from looking cluttered by tucking the toaster, kettle and coffee machine away in a breakfast cupboard. As soon as you open the cupboard your favourite gadget is sat ready to use. This is a nifty trick for making use of awkward corners and making sure that none of your kitchen tech gets lost at the back of a cabinet.
20. Swap an extractor hood for a combined extractor induction hob
Image credit: IKEA
This combined induction extractor hob is a great space saver in a small kitchen. It means you can swap a bulky extractor hood above the hob in favour of extra storage. If you don’t require an extra cupboard or set of shelves, consider leaving the area above the hob empty to give the illusion of a more spacious kitchen.
21. Swap a table for a kitchen island
Image credit: Lizzie Orme
Adding an island might sound like a terrible idea in a small kitchen. However, in a long thin kitchen, a well-thought-out kitchen island idea can be the perfect way to add in extra storage and surface space, whilst keeping the kitchen a sociable space.
Choose an island like the one above with plenty of storage space underneath for stowing away vegetables and linens. A slight overhang from the counter top ensures that the four bar stools fit easily under the island, avoiding any potential trip hazards.
22. Paint kitchen cupboards to match the walls
Image credit: David Parmiter
Create the illusion of more space in a small kitchen by painting the cupboards in the same colour as the walls. The ultimate white kitchen idea, it creates a light and airy space where the units blend into the kitchen walls.
In this rustic kitchen, every spare inch of space is crammed with storage but a uniform wash of white paint keeps the space looking neat and spacious.
23. Turn an awkward corner into clever storage
Image credit: David Parmiter
A small kitchen requires you to make use of every inch of storage space you have. If you have a small boxy kitchen, rather than cramming all your pots and pans into a deep cupboard that is going to become a nightmare when you need to find a particular frying pan, consider swapping a cupboard for a drawer.
This clever pullout drawer maximises space and makes finding your favourite frying pan easy-peasy.
24. Consider compact containers
Image credit: Simon Scarboro
Put a windowsill, shelf or recess to work by adding a selection of strong baskets and use to stow bottles, packets or even fresh herbs in pots. Baskets are also a great way to store condiments, meaning you can take them all to the dining table in one trip.
This is also an easy way to incorporate accessories inspired by rustic farmhouses or shabby chic decorating ideas, such as vintage canisters or mason jars.
25. Find a new home for the washing machine
Image credit: Caroline Arber
You may think the kitchen is the obvious place to put a washing machine. But in continental Europe, you’re more likely to find it in a bathroom. So if you’re stuck for space, it might be worth relocating your laundry appliances and incorporating them into your bathroom ideas. If your bathroom is just as teeny, you might be able to squeeze it in a cupboard under the stairs.
Alternatively, if you have a separate washer and dryer, you could consider keeping them in the kitchen but stacking them one on top of the other in an old larder cupboard. It hides them out of sight, saves space and helps streamline laundry days.
26. Supersize the sink
Image credit: Georgia Burns
Investing in the best dishwasher is tempting, but your small kitchen might not have space for one. So, it’s worth finding room for a double sink instead. Keep one bowl for washing and one bowl for dirty dishes. That way you’ll have somewhere to stack mucky prep kit and plates out of sight, and without cluttering up the work surface.
27. Turn every corner into a storage space
Image credit: David Parmiter
If you don’t have the budget for a kitchen extension, optimise the space you already have instead. Identify places where there’s wasted space, such as the gaps between shelves, at the back of cupboards, below the sink, unused corners and windowsills. Stack wherever you can and have a clear out of kitchenware that’s infrequently used or only has one purpose, so you have less to store.
Think also about relocating items that aren’t in everyday use, but you don’t want to throw out, to elsewhere in your home. Next, think about the space on your walls and doors. Try adding a utensil rail or magnetic knife board, hooks on the sides of your cupboards or racks hung over a door. Extra shelves in corners or across alcoves will also come in handy.
28. Add storage helpers
Image credit: Dan Duchars
Your cupboards and drawers are your biggest storage resource but it’s likely that they’re not being used fully. Internal storage solutions will make the most of them, so think about retrofitting wire racks that pull out of corners or slim cupboards, some plinth drawers, or using drawer dividers for utensils, spices, pans or plates.
The colourful kitchen wall idea shown above uses open shelving to display and store crockery. You can boost your storage further with a mobile solution, such as a trolley or butcher’s block on castors, or think about popping baskets or containers on top of your wall cupboards. Just keep a sturdy stool nearby so you can reach them.
29. Clear away the clutter in small kitchens
Image credit: David Brittain
Wall cabinets can really encroach on space, so consider doing away with yours. Open kitchen shelving can make a huge impact in a small kitchen, creating an open and airy feel. Just ensure you limit the amount of shelves you use, and what you keep on them.
30. Tidy your work surface
Image credit: Future PLC/ Lizzie Orme
If there are too many items cluttering up the worktops, consider clever solutions like wall-mounted magnetic knife strips, rails to hang utensils, pans, mugs, spice jars and cutlery bins.
Also think about what you need to have to hand every day, such as chopping boards, wooden spoons, washing-up liquid, and what can be stored away until needed. Look for genius kitchen appliance layout ideas to save even more space.
31. Keep your kitchen scheme simple
Image credit: Colin Poole
Nothing makes a room seem larger like simple white walls, so why not take it further with sleek, contemporary details that open up the space.
Light, reflective materials and minimal designs are your friends in a small kitchen, so consider white or frosted glass cabinet doors, white stone or composite, or stainless-steel worktops, and white splashback tiling.
32. Look to portable storage
Image credit: Simon Whitmore
Consider a kitchen trolley on casters, which provides an additional prep surface when you need it, tucks away when you don’t and also offers extra storage for cookery books, pots and pans. You can even use it as a handy food and drinks trolley when you have guests.
33. Don’t let space go to waste
Image credit: Colin Poole
Not every kitchen will have room, but if your heart is set on having an island or peninsula, consider a slimline design. The central workstation shown here may be small, but it provides extra storage space and a useful worktop for food preparation.
34. Neaten up a compact kitchen
Image credit: Lizzie Orme
Not every home is blessed with a vast open-plan kitchen but, if your room is on the small side, there’s plenty to feel positive about. For a start, it’s easy to keep everything to hand, and you’ll find a wealth of storage ideas to get the very best out of your space. To avoid cluttering the worktops, plenty of cupboards have been incorporated into this kitchen design.
Opt for handleless designs for a sleek, streamlined appearance. Don’t overdo the materials in a small space. This compact U-shaped kitchen idea features a maximum of three different materials, all in muted colourways.
35. Install floor-to-ceiling cabinetry
Image credit: Barbara Egan
Think vertically by continuing your cabinets up to the ceiling but plan carefully to ensure the room feels as open as possible. Store less frequently used items in high cupboards. Add a breakfast bar if you can and smart kitchen lighting ideas like the one shown above.
The amount of storage and workspace it provides makes great use of the footprint and will ensure your kitchen is more sociable.
How do I plan a small kitchen?
As with any kitchen, large or small, you need to think about the journey. How do you use the space? There’s a triangle of use within every kitchen, the journey made from fridge to sink to oven – the key elements that need to be considered. Plan your layout around the best way to use the floorspace. Look to use vertical solutions to make the most of every storage space available.
‘When designing small spaces, considering appliances would be my starting point,’ says Sally Hinks, Kitchen Designer at Harvey Jones. ‘Any large appliances such as washer/dryers that can multitask are worth considering. Integrating appliances wherever possible will also help open up a space visually and create clean lines. Housing small appliances also makes a difference – boiling taps and integrated microwaves and coffee machines free up valuable space and keep surfaces clear from bulky microwaves and kettles, to create the illusion of more space and a more minimal aesthetic.’
What is the best layout for a small kitchen?
Ben Burbidge, at Kitchen Makers says small kitchens needn’t compromise on dream layouts. ‘Don’t be afraid to include a breakfast bar but try not to make the overall dimensions too big, as it may restrict movement around the kitchen. The area under the breakfast bar can offer ample space for storage and kitchen.’
‘Islands are best to be avoided within a smaller space as they are more space hungry than people think,’ adds Graeme Smith, head of design at Second Nature Kitchens. ‘You need circulation space around the Island – to ensure you get the best movability and functionality. You could opt for a peninsular to get a similar feel if your kitchen was too small for an island but slightly bigger to accommodate more than galley.’
What is the best colour for a small kitchen?
Light is the greatest tool to help a small space feel bigger, brightening the space by bouncing light into shadows and lifting the entire room. Therefore white is a great option. A staple for small spaces, pure brilliant white is devoid of all pigment. This means it reflects back nearly all light that hits it. Conversely, the darker the colour, the more light it absorbs.
‘Whether it’s a matt or gloss finish, lighter shades like Porcelain and Dove Grey are your best options when designing a compact kitchen space,’ advises Simon Bodsworth, Managing Director of Daval Furniture. Providing high reflection and fluidity of design, this choice of colour will keep the area bright and create the illusion that the space is larger than it really is.’
Help your chosen colour go even further in a small kitchen by painting the cupboards in the same colour as the walls. An allover colour scheme helps to keep the look light and airy by seamlessly blending the cabinets into the kitchen walls.
Have you noticed parts of your home that need a refresh? Or, maybe you’ve imagined how life would be better with a larger kitchen or an extra bathroom. These update ideas can be hard to ‘unsee’! If you’ve decided to take the plunge with a refurb, how will you fund it? Has the subject of home improvement loans sprung to mind?
The good news is that revamping your current home is likely to be more cost-effective than moving. Still, home renovations such as loft conversions or kitchen extensions come at a price, which may require you to borrow. ‘It’s important any improvements are done properly and professionally,’ says Michael Holden, Chartered Surveyor. ‘When a property has been invested in, it shows and will pay back through added value and saleability.’
Home improvement loans explained
How much to borrow will partly depend on what you want to do and the current state of your finances. Whether you need finance for kitchens or a loan for an extension, be confident you can pay it back.
‘Affordability is the most important thing to consider,’ says Richard Jones, business development manager at price comparison site, Go Compare*. ‘There are lots of online tools and calculators that let you work out your eligibility before applying for finance.’
Image credit: Furture Plc
Once you have a sum in mind, it is time to shop around for the best deal on this borrowing. Pay too much for credit and you’re wasting money that could have been spent on the finishing touches to your home upgrade.
Home improvement loans – what are the options?
1. Personal loans – unsecured
Personal home improvement loans are not secured against your property or any assets. So, if you default on repayments, the lender can’t come after your property. However, you’ll need a good credit rating to secure the best deals. ‘A personal loan can be a good option if you’re looking to borrow between £500 and £25,000,’ says Go Compare’s Richard Jones. ‘They can be set up so you know what you’ll pay back each month too.’
The repayments are usually set over a term of one to five years. A longer term loan may seem appealing, as the monthly repayments will be lower, but you’ll end up paying more in total by the end of it than with a shorter term loan, because you’ll be paying interest for longer.
Personal loans are more suitable for smaller projects such as a new bathroom, kitchen revamp or replacement windows, rather than an extension or loft conversion (which often cost more than £25,000).
Compare interest rates
The interest rate you’ll pay will depend on your circumstances, how much you want to borrow and for how long. Costs vary hugely between lenders, with some loans priced at an interest rate more than twice as high as others according to Go Compare. The best deals go to people considered to be the best risk, so check your credit file for free at agencies such as Clearscore.com and Experian.co.uk to see where you stand.
‘It’s worth improving your credit score in advance of borrowing money,’ adds Jones. ‘Make sure you’re on the electoral roll and pay utility bills and other outgoings on time.’ Similarly, avoid too many applications for credit, which can affect your score negatively. A comparison site will let you do a soft search to see how much you can borrow and what the repayments might be before applying, which won’t affect your credit score.
It’s worth putting in this work. A cheaper interest rate could be the key to securing that roll-topped bath or statement living room flooring you’ve been dreaming of.
Personal loan Pros and Cons
Pros: Less risk than a secured loan (but not entirely risk-free if you default). If eligible, you can borrow up to £25,000, and occasionally more. You can borrow a fixed amount with fixed payments each month.
Cons: The maximum amount you can borrow is generally up to £25,000, so this option won’t be suitable for larger projects. Some finance companies may impose additional fees if you want to overpay or repay early.
Image credit: Future Plc
2. Secured home improvement loans – against your house
Those with equity in their homes can usually borrow larger amounts for longer periods with a secured loan. The crucial point to grasp though is that this borrowing is secured against your home. Failure to make repayments on these types of home improvements will put your home at risk.
This type of borrowing is often used for large home improvements that require project planning and can usually be arranged through your current mortgage lender. This loan may be referred to a further advance.
Shop around
Don’t discount other lenders. It’s worth taking the time to see what rates others are offering on further mortgage advances or remortgages. After all, it’s better to splash cash on your extension, instead of unnecessary interest charges.
How much you can borrow depends on how you intend to spend it, how much equity is in your home and what your other outgoings amount to.
‘A further advance on your mortgage may be an option if you have enough equity in your property,’ says Paul Archer, senior mortgage manager at Nationwide Building Society. ‘Often this type of borrowing is used to fund projects that will add value to your property, such as an extension or loft conversion, as you’re able to spread the cost over the remaining term of the mortgage.’
Secured loan Pros and Cons
Pros: Homeowners with equity can borrow larger amounts than with an unsecured loan (up to 85% of the value of your home with some lenders). The sum is spread over a longer term than a personal loan – up to the remaining term of your mortgage, or even longer with a different lender.
Cons: Your home is at risk of repossession if you’re unable to meet your home improvement loan repayments. Monthly payments may appear lower than with a personal loan as they’re over a longer term, but you will end up paying more by the end of the loan.
Archer adds: ‘The repayments each month tend to be lower than on a personal loan. However, you could ultimately end up paying more by the end of the term than with a personal loan, as you’re paying for longer. Also, bear in mind that lenders will often only advance up to 85% of the value of your home, so if you’re already highly leveraged this may not be an option.’
Image credit: Future PLC/ Polly Eltes
3. Home improvement loan alternatives
Home improvement loans aren’t the only way to finance a new kitchen or bathroom. Depending on the size of your project, remortgaging, credit cards and agreed overdrafts could be other routes to finance.
Credit cards – Deals that come with interest-free credit are worth exploring. According to Martin Lewis, from moneysavingexpert.com, if it’s done right 0% credit cards are the cheapest way to borrow money.
Look for 0% offers – Typically you can go interest-free for a short time (usually up to 23 months) on a set amount (often under £3,000). Deals vary and assume you have a healthy credit rating already. However, it’s important to make sure you can pay off the full balance within the introductory period to avoid paying interest when the 0% interest period ends, as rates will then shoot up.
‘If you only need to borrow a small amount over a short period or you want more flexibility with repayments, then you could look to fund the works using a credit card,’ says James Broome of Nationwide Building Society. ‘Many credit cards offer 0% introductory offer but you should always look to repay within the introductory period as once this ends you will be paying a much higher level of interest than you would have done on a personal loan.’
Credit card Pros and Cons
Pros: If you opt for a card with 0% interest and meet all the requirements and repayments in the agreed term, it’s free borrowing. You choose how much to repay each month, subject to minimum repayments, which makes credit cards more flexible than loans.
Cons: Cards with 0% interest are only useful for a small amount of borrowing (usually up to £3,000) that is paid back in a short amount of time (generally less than 23 months). So not as suitable for larger home improvement projects. You may be required to spend the credit within a small time frame (often 60 days). The payment penalties will be high if you don’t meet your repayments. Self-discipline is required to not use the card after the 0% interest offer ends and high interest rates kick in.
Image credit: Future PLC/ Alistair Nicholls
4. Remortgaging
This is usually when you switch your mortgage to a new deal. Or, if you’ve reached the end of a fixed mortgage term or are on a standard variable rate. This is a good time to find a mortgage with a lower rate than you’ve been paying and borrow more.
If you’re locked into a high interest rate, it may be possible to borrow more, yet keep your repayments the same. Although be mindful that there is usually an arrangement fee with a new mortgage.
‘If you’re looking to remortgage to fund home improvements, it’s worth looking where you are on any existing mortgage deal,’ says Paul Archer. ‘If you’re part way through, an early repayment charge might become payable if you want to leave. A further advance could be a better option as you can take this out as a separate loan to your mortgage.’
Remortgaging Pros and Cons
Pros: You can spread the payments for longer, in tandem with your mortgage if you choose. If you’ve come to the end of a mortgage deal, it’s an opportunity to borrow more at a better rate. Monthly payments may be lower than other forms of borrowing.
Cons: Your home is at risk if you cannot make the payments. Although monthly payments look lower than a personal loan, you’re paying them for longer. Therefore, you’ll pay more back in interest over the entire term. There may be early repayment charges to leave your current mortgage and arrangement fees to set up a new one.
Image credit: Future PLC/ David Giles
6. Overdrafts for home improvements
It may be possible to arrange an authorised overdraft off your current account. Your bank or building society will agree in advance a particular fee. This is different to an unauthorised overdraft, which is when you go ‘into the red’ on your current account and expensive charges apply.
An overdraft will create a pot of cash that could be useful for funding home improvements. But these facilities are designed as a short term way to borrow money if you need it quickly. The general consensus is that it’s best not to use an overdraft to borrow money as fees are high. ‘We would advise avoiding an overdraft to fund home improvements at all costs,’ says Richard Jones. ‘Banks were recently forced to change their fee structures, so this is an expensive way to borrow money
‘Using an overdraft for large home improvements is never recommended,’ says James Broome of Nationwide Building Society. ‘Doing so will likely cost you considerably more than other forms of credit.’
Overdraft Pros and Cons
Pros: Short term option in an emergency.
Cons: Overdraft charges are high and the amounts available to loan are lower than other forms of borrowing. Not recommended as a way to fund home improvements.
Home improvement loans may seem daunting. However, if done well, home improvements may pay for themselves when it comes to selling.
*Ideal Home and Go Compare are part of Future plc.
